...just thought I'd add... I tend to dismiss the excuse and just look at the request when these kinds of messages come in, but that's just because I offer returns for change of mind so if they change their mind before they pay, it's a lot easier to deal with than if they change their mind after they've received it.

It does grate when a buyer opts to fib, as with me it's completely unnecessary and a little insulting, but I'll just process the cancellation and be done with it in most cases (I would be more inclined to go the UPI route instead if the buyer is exhibiting other problematic behaviours, as most people are just happy and relieved and won't do anything else after the transaction is cancelled).